The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$54,624
−HK$3,426/mo
▼ 0.25% · 3.875%
HK$56,323
−HK$1,727/mo
Today · 4.125%
HK$58,050
baseline
▲ 0.50% · 4.625%
HK$61,582
+HK$3,532/mo
Deposit HK$11.98M · loan HK$11.98M · min. income ≈ HK$116,100/mo (50% DSR)
Upfront cash ≈ HK$13.00M (deposit + AVD stamp duty HK$1,018,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,769
−HK$3,283/mo
▼ 0.25% · 3.875%
HK$62,399
−HK$1,653/mo
Today · 4.125%
HK$64,052
baseline
▲ 0.50% · 4.625%
HK$67,428
+HK$3,376/mo
Deposit HK$11.98M · loan HK$11.98M · min. income ≈ HK$128,104/mo (50% DSR)
Upfront cash ≈ HK$13.00M (deposit + AVD stamp duty HK$1,018,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,549
−HK$4,111/mo
▼ 0.25% · 3.875%
HK$67,588
−HK$2,072/mo
Today · 4.125%
HK$69,660
baseline
▲ 0.50% · 4.625%
HK$73,898
+HK$4,238/mo
Deposit HK$9.58M · loan HK$14.37M · min. income ≈ HK$139,320/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,018,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,923
−HK$3,940/mo
▼ 0.25% · 3.875%
HK$74,878
−HK$1,985/mo
Today · 4.125%
HK$76,863
baseline
▲ 0.50% · 4.625%
HK$80,914
+HK$4,051/mo
Deposit HK$9.58M · loan HK$14.37M · min. income ≈ HK$153,726/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,018,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,474
−HK$4,796/mo
▼ 0.25% · 3.875%
HK$78,853
−HK$2,417/mo
Today · 4.125%
HK$81,270
baseline
▲ 0.50% · 4.625%
HK$86,215
+HK$4,945/mo
Deposit HK$7.19M · loan HK$16.77M · min. income ≈ HK$162,540/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,018,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,077
−HK$4,596/mo
▼ 0.25% · 3.875%
HK$87,358
−HK$2,315/mo
Today · 4.125%
HK$89,673
baseline
▲ 0.50% · 4.625%
HK$94,400
+HK$4,727/mo
Deposit HK$7.19M · loan HK$16.77M · min. income ≈ HK$179,346/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,018,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,324
−HK$6,165/mo
▼ 0.25% · 3.875%
HK$101,382
−HK$3,107/mo
Today · 4.125%
HK$104,489
baseline
▲ 0.50% · 4.625%
HK$110,847
+HK$6,358/mo
Deposit HK$2.40M · loan HK$21.56M · min. income ≈ HK$208,978/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,018,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,384
−HK$5,910/mo
▼ 0.25% · 3.875%
HK$112,318
−HK$2,976/mo
Today · 4.125%
HK$115,294
baseline
▲ 0.50% · 4.625%
HK$121,371
+HK$6,077/mo
Deposit HK$2.40M · loan HK$21.56M · min. income ≈ HK$230,588/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,018,102 · Scale 2, in force from 26 Feb 2026)